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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $807,195 | $190,916+322.8% | $160,037+404.4% | $134,545+499.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.0%+22.0pp | 81.2%+18.8pp |
| Annual return | -12.85% | 552.79%-565.6pp | 408.95%-421.8pp | 418.37%-431.2pp |
| Employer contribution / active EE | $4,414 | $4,996-11.7% | $4,226+4.4% | $4,742-6.9% |
| Participant deferral / active EE | $10,376 | $6,925+49.8% | $6,184+67.8% | $6,401+62.1% |
| Admin fee / account holder | $25,661 | $10,497+144.5% | $8,716+194.4% | $11,431+124.5% |